# OceanFirst Bank CD rates

As of October 22, 2026, OceanFirst Bank's highest tracked CD rate is 0.50% APY on an 84-month CD ($500 minimum). That is 35% of the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.05% to 0.50% APY.

Canonical page: https://apyledger.com/cd-rates/oceanfirst-bank
Institution: OceanFirst Bank, National Association (FDIC 28359)
Aliases: 
Status: live
Last verified: 2026-10-22T13:34:13.000Z (October 22, 2026)
Official source: https://oceanfirst.com/rates/savings-cds-rates
Coverage: Published standard CD rates only. Separate promotional offers are not included; consult the bank for current promotions and account eligibility.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $500 | 0.05% | Not ZIP-priced | −4.35% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |
| Certificate of Deposit | standard | 12 months | $500 | 0.10% | Not ZIP-priced | −4.47% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |
| Certificate of Deposit | standard | 18 months | $500 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |
| Certificate of Deposit | standard | 36 months | $500 | 0.20% | Not ZIP-priced | −4.75% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |
| Certificate of Deposit | standard | 60 months | $500 | 0.30% | Not ZIP-priced | −4.71% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |
| Certificate of Deposit | standard | 84 months | $500 | 0.50% | Not ZIP-priced | −4.59% | 2026-10-22T13:34:13.000Z | [Snapshot 280](https://apyledger.com/snapshots/280) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.